Caveat that I was building a gaming PC at that time, I might have gone differently for a home server. And, this was before the memory market went nuts for unrelated reasons.
The "gaming" DIMMs are available in much greater speeds, which are "overclocked" speeds, i.e. there exists absolutely no guarantee from Intel or AMD that they work at the advertised speed, even if they frequently do work.
However, with such overclocked DIMMs, you do not know how well they work. They might work most of the time, but e.g. in a hotter room they might have an error or two per day without you noticing, especially if the computer is used mainly for games.
For someone doing anything professional on a computer, overclocked DIMMs are not an acceptable choice.
Without ECC, nobody knows if their memory is working or not. Regardless whether it is running a standard JEDEC speed or an overclocked one.
If you buy a complete gaming computer which includes overclocked memory, then hopefully the vendor has done a burn-in and has tested for some time the computer, as sold.
However, if you buy the CPU yourself, neither Intel nor AMD provides any guarantee that the CPU will work with overclocked memory.
It is upon you to test your assembled computer, but true tests would require a very long time and a climatic chamber, to offer any kind of certainty that the combination CPU-DIMMs works at the desired speed.
If you have ECC memory, you can try to overclock it and at least in this case you will know for sure if the memory works at the higher speed, or not.
Overclocking ECC memory is actually a method frequently used to verify whether the hardware ECC support and also the operating system EDAC driver work OK.
There's no guarantee that it works with standard clocked memory either.
If the CPU does not work at that speed, you are entitled to a replacement or a refund.
For instance, AMD Ryzen™ 9 9950X3D is guaranteed to work with DDR5-5600, but with nothing faster. No AMD non-server CPU goes above this limit for DDR5.
Some of the Intel CPUs are guaranteed to work with faster memories, e.g. Core Ultra 9 285K with up to DDR5-6400, and the very recently launched Core Ultra 7 270K PLUS with up to DDR5-7200.
This is not true[1]. These DIMMs are not guaranteed to work with all Threadripper CPUs, but they are guaranteed themselves to be stable at their advertised frequencies, which are higher than JEDEC. (And from my experience, 9000-series threadripper is perfectly happy to drive 8-channel 1Rx8 at 7200MT/s.)
AMD (and possibly Intel, I don’t have any experience with their recent offerings) also lets you overclock memory completely on WRX90. So if you buy JEDEC sticks, you’re welcome to try to push them as hard as you can.
[1] https://v-color.net/products/ddr5-ocrdimm-amd-wrx90-workstat...
Without the reported ECC on Infinity Fabric I would have had no idea that the errors were happening and affecting performance.
The main reason there aren’t more options here is that a) high-frequency memory usually isn’t sufficiently stable, unless binned, and b) there’s very, very, very little demand.
[1] https://v-color.net/products/ddr5-ocrdimm-amd-wrx90-workstat...